Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®
Apply now at Upgrade's secure site
Credit Cards»Upgrade Credit Cards»Upgrade Cash Rewards Visa®
Upgrade Cash Rewards Visa®See Rates & Fees
Partner Offer

Upgrade Cash Rewards Visa®

Our rating:3.0 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Fair to Good

Credit Recommended

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Apply now at Upgrade's secure site
Intro Bonus
$200$200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*
Reward Rates
1.5%1.5% unlimited cash back on every purchase
Balance Transfers Intro APR
N/A
Purchases Intro APR
N/A
Regular APR
14.99% - 29.99%
Annual Fee
$0

Highlights

  • $200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*
  • 1.5% unlimited cash back on every purchase
  • No annual fee
  • See if you qualify in seconds with no impact to your credit score
  • Combine the flexibility of a card with the predictability of a personal loan
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
  • Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, and more
  • Contactless payments with Apple Pay® and Google Wallet™
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
  • State Exclusions: DC, GA, IA, MA, WV, WI
  • Welcome Bonus: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Preferred account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Preferred account within 60 days of the date the Rewards Checking Preferred account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Preferred account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Preferred account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information.
  • Welcome Bonus (continued): Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Preferred account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.
  • See Rates & Fees

Features

  • Cash Back
    Cash Back
  • Low Interest
    Low Interest
  • No Annual Fee
    No Annual Fee
  • Visa
    Visa

Staff Review

Editor's Rating:

3.0 out of 5

Our take: Since it rewards payments via cash back and automatically puts your balance into an installment plan at the end of the month, the Upgrade Card helps you keep your interest payments – and your overall credit card balance – in check. See Rates and Fees

Read full review

All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.